PAGE 2 YOUTH MATCH GREENPATH

PAGE 3 REFER A FRIEND BUSINESS VISA®

PAGE 4 MYTIMES PLUS ANNUAL MEETING FORM

2014MEMBER NEWSAPRIL

1 Verification of source of income required. Certain restrictions apply and subject to credit approval. Only one Loan Special per person. Cannot be combined with another APGFCU loan and not eligible for Member Rewards. 2Actual financing application processing time is dependent on each applicant’s credit history and submission of proper documentation.

What could you do with up to $7,500?1 Loan Special — Limited Time Offer Online decisions in 90 seconds2

Surf? Golf? Cruise? You choose! If it’s time to treat the family to something memorable, our Loan Special could be just the offer for you.

Great rate and quick online decisions — visit APGFCU.com today.

Existing APGFCU loans are not eligible for this offer. Loan to be refinanced must be at least 4 months old and minimum loan amount is $7,000. You must make your first scheduled payment and membership must be in good standing in order to receive the offer. $150 will be credited to the primary applicant’s share savings account between 61-65 days after the loan is disbursed. If the auto refinance loan is closed in the first 60 days, the $150 offer will become invalid. Only one $150 offer available per underlying collateral. Maximum loan term is 84 months. A $20 transfer fee will be assessed to each refinanced vehicle loan. Member rewards rebates do not qualify. Offer subject to change or end at any time and without notice. Other conditions and restrictions may apply. All loans subject to credit approval.

Got Car Debt? Refi with us, we’ll give you $150! We want your business — seriously. First, it’s hard to beat our great loan rates and, second, couldn’t you use $150? So if your car loan is at least four months old, let’s talk. Offer ends June 30, 2014.

Share the Fun Sweepstakes$750 Saxon’s Gift Certificate

Shawn is the 4th Quarter winner of a $750 gift certificate from Saxon’s Diamond Centers in the Share the Fun Sweepstakes. We thank Saxon’s Diamond Centers for celebrating with us.

Member Shawn H., left with Sandy Lucas, Havre de Grace branch manager.

Bring your mortgage home to APGFCUYes, we do mortgages! Buy or RefiFrom pre-approval to closing, you can count on us for professional, personal service. We also offer competitive rates and fast approvals.

Whether it’s a first mortgage, home equity, purchase, refinance, or renovation, our mortgage experts will work with you every step of the way.

n Call 1-888-LOAN-391 (1-888-562-6391)n Apply 24/7 at APGFCU.com, under Mortgages.

Have limited funds for a down payment? We have a program for you.

Introducing…GreenPathAPGFCU is pleased to announce our newest member benefit – GreenPath.

As a valued member of APGFCU, we are committed to serving you. And as a benefit to you, we are providing you with free access to money management, financial education services and education services staffed by counseling professionals.

We have partnered with GreenPath in order to bring you GreenPath Financial Wellness, a financial education and counseling program. Through comprehensive education and exceptional service, GreenPath has been assisting individuals for more than 50 years.

As an APGFCU member, you can receive assistance with:

n Personal and family budgeting n Understanding your personal credit report and how to improve your score n Personal money management n Debt repayment (fees may apply) n Avoiding bankruptcy, foreclosure, and repossession

GreenPath can give personalized answers to your individual needs. For issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away.

Call GreenPath at 1-877-337-3399 or visit greenpathref.com Mon. – Thurs. 8:00 a.m. to 10:00 p.m. | Friday 8:00 a.m. to 7:00 p.m. | Saturday 8:00 a.m. to 6:00 p.m.

Catch the $ave WaveYouth Match up to $25

Open a new youth account in April and we’ll match your opening deposit up to $25¹. Plus, all new account holders can stop in a branch and get a free gift (while supplies last).

¹Deposit bonus paid on accounts opened from April 1-30, 2014. $5 minimum to open a savings account for new members. Bonus of up to $25, paid at time of account opening, will be deposited into savings account and must stay in the account for 90 days. We may report to the IRS the value of any cash bonus and any applicable taxes are the responsibility of the recipient.

We’ll host our annual Community Invitational at Ripken Stadium on Sunday, July 20. We’re looking for 11/12U baseball and softball teams from Harford or Cecil County to participate.

Space is limited. Email your request to Marketing@apgfcu.com by May 31.

A Call to Play Ball

Refer A Friend & Win $100 More referrals = more chances to winWe’re giving away $100 in Visa® Gift Cards to one winner every month in 2014. The more new members you refer, the more chances you have to win. Share the wealth — and the benefits of membership. Pick up a Referral & Entry Form in any branch or download one on APGFCU.com. For complete rules, visit APGFCU.com.

Visa® Purchasing Power & No Annual Fee New Business Visa CardBusiness Visa features: 1. Visa SavingsEdge® n Online enrollment for retail discounts — No coupons. n Discounts show as credits on your statement. 2. Travel Benefits n Travel Accident Insurance ($500,000) n Travel and Emergency Assistance Services n Auto Rental Collision Damage Waiver 3. Security Benefits n Purchase Security and Extended Protection n Fraud Protection

You’ll receive these Visa benefits and more — and no annual fee! Apply online, call us or stop by one our locations.

Now That’s the Perfect Gift!Name a Seat, Make a DifferenceRight there, on the edge of the seat… the name of your favorite Mom, Dad or Grad.

A $100 charitable donation allows you to have the name of a special mom or dad, or a favorite graduate permanently placed on a seat in the APGFCU Arena at Harford Community College.

Name your seat today. Donate online at Harford.edu/seat or call HCC at 443-412-2428. Funds raised will support the Susquehanna Center.

Free WorkshopRebuilding & Re-establishing Credit

Participants may access their free credit report!*

Saturday, May 17, from 9:30 a.m. – 11:30 a.m.APGFCU Edgewood Operations Center, 1321 E. Pulaski Hwy.

Register today, call 410-612-2361 or email workshopRSVP@apgfcu.com

*Federal law allows you to get a free copy of your credit report every 12 months from each credit reporting company.

HoLIDAy CLoSINGSAPGFCU’s holiday hours:Closed Monday, May 26, for Memorial DayAccess your accounts: APGFCU.com, Mobi.APGFCU.com, ABBy Phone Teller and our ATMs

P.o. Box 1176 Aberdeen, MD 21001-6176APGFCU.com Mobi.APGFCU.com

410-272-4000 | 1-800-225-2555Visit APGFCU.com for branch hours and maps

Branch Locations Aberdeen Beards Hill Rd. & Rt. 22Amyclae 1200-A Agora Dr., Bel AirAPG Chesapeake Ave. & oakington St.Bel Air 321 S. Main St.Edgewood 1321 E. Pulaski Hwy.Elkton 1204 E. Pulaski Hwy.Fallston 210 Mountain Rd.Forest Hill 2010 Rock Spring Rd.Havre de Grace 1045 W. Pulaski Hwy.Laurel Bush 2113 Laurel Bush Rd., Bel AirNorth East 2011 W. Pulaski Hwy. My Loan Centers & ATMs Elk Mills 1005 Elk Mills Rd. Rising Sun 223D E. Main St.

Member Service Center M-F 8:00 a.m. – 8:00 p.m. Sat 9:00 a.m. – 1:00 p.m.

Home Loan Center M-Th 8:00 a.m. – 5:30 p.m. Fri 8:00 a.m. – 6:00 p.m.

ABA Routing & Transit Number 255075576 (use this number to arrange electronic fund transfers)

operation Statistics as of:

February 28, 2014Assets $1,007,650,176.02 Loans $721,507,616.43 Shares $909,172,568.69 Members 104,953APGFCU is not affiliated with any non-APGFCU Internet sites listed in this newsletter. These sites are provided as reference only. APGFCU makes no representations about the content on these sites or subsequent links from those sites.Federally insured by NCUA "

Helping you Live The Life you WantBenefits to help you save and manage your moneyIf you’re on a fixed income, we offer relief in the form of these options just for you:n Required Minimum Distribution (RMD) Certificate: Need to withdraw funds from your APGFCU IRA? Now you can deposit the funds into an RMD Certificate and get the same rate and maturity date as the original IRA Certificate. n 12-month Certificate: Earn a higher rate. n Travel Loan: Get a 1% discount.¹

For details, stop in any branch or visit APGFCU.com, Benefit Programs, MyTimes. ¹Loan discount available only to members 65 years of age and older. Credit approval required.

Thursday, April 10, 2014, 6:00 p.m.(Doors open at 5:00 p.m.)

at the Richlin Ballroom in Edgewood, Maryland

2014 APGFCU Annual MeetingQ & A Submission

Want to ask your Board a question? If you feel many members will benefit from having your question answered from the podium, please write it down on the form below and hand it to any APGFCU staff member BEFORE 5:45 p.m. We will address as many questions as time allows.

Question: (please print or write clearly)

Name (optional) Telephone (optional)

We’ll officially swear in the new board of directors and distribute the annual financial reports. Experience the credit union difference. Visit APGFCU.com for directions. Enjoy refreshments and prizes, too.Thursday, April 10, 2014 | Richlin Ballroom, Edgewood, Md. Doors open at 5:00 p.m. | Meeting begins at 6:00 p.m.

2014 APGFCU Annual MeetingDo you have a question?

Bel Air Kite FestivalFun for kids of all ages. APGFCU is proud to sponsor the annual Bel Air Kite Festival. Free kites¹, great music, and food for purchase.

Rockfield Park, Bel Air | Saturday, April 12 10:00 a.m. – 4:00 p.m. | Rain date is Sunday, April 13¹While supplies last.